First Time Homebuyer (FTHB) Program – Down Payment & Closing Cost Assistance | Kansas grant

First Time Homebuyer (FTHB) Program – Down Payment & Closing Cost Assistance

open

Kansas Housing Resources CorporationKSFirst-Time Homeowner

Funding: Up to $40,000forgivable loanrollingDeadline: Scope: statewidestate

Updated: Dec 5, 2025

Summary

Kansas’s statewide FTHB Program helps first-time buyers overcome down-payment and closing-cost barriers by layering a sizable, forgivable soft second mortgage on top of a 30-year fixed-rate first mortgage.

Benefits

Down payment assistanceClosing costsSoft second mortgageForgivable loan

Who Can Apply

Individual

Eligible Locations

State of Kansas excluding Johnson County and the city limits of Topeka, Lawrence, Wichita, and Kansas City; first time and HUD defined equivalent homebuyers with household income at or below 80 percent of area median income purchasing an owner occupied primary residence that meets HOME program standards.

Eligibility

First-time, income-eligible homebuyers whose gross annual income does not exceed 80% of HUD area median income, who are credit-ready, can contribute 1–10% of the purchase price from their own funds, and purchase an eligible primary-residence property outside Johnson County and the city limits of Topeka, Lawrence, Wichita, or Kansas City.

Full Description

KHRC’s First Time Homebuyer (FTHB) Program is a HOME Investment Partnerships Program initiative that provides a 0% interest, forgivable soft second mortgage of up to $40,000, generally equal to 15–20% of the sales price, to help cover down payment, closing costs, and other closing-related expenses. Eligible buyers must be first-time homebuyers (or meet HUD’s expanded definitions for displaced homemakers, single parents, or certain manufactured-home owners), have gross household income at or below 80% of area median income, and purchase an eligible primary-residence property that meets HUD property standards and price limits. The home must not be located in Johnson County or within the city limits of Topeka, Lawrence, Wichita, or Kansas City, which administer their own HOME funds. Participants must invest at least 1% (and no more than 10%) of the home price from their own funds, maintain homeowners insurance, and complete the full underwriting and inspection process. The soft second is structured so that half is forgiven over 5–10 years (depending on total subsidy amount) and the remaining half is forgiven after 10 years, provided the buyer continues to occupy the home and complies with program rules.

Verification & Details

Complexity: Moderate

Confidence: 90%

Status: open

Source: kshousingcorp.org

Based on Kansas Housing Resources Corporation First Time Homebuyer Program description. Assistance is a zero percent interest soft second mortgage up to 40000 dollars, with forgiveness tied to continued owner occupancy over the affordability period.

Official source → kshousingcorp.org

Apply on official siteUpdated Dec 5, 2025

Recommended Resource

First-Time Homebuyer Starter Pack (2025 Edition)

A complete first-time homebuyer toolkit: 9 checklists, timelines, grant guidance, worksheets + editable Excel/Google Sheet budget & affordability calculator.

first-time homebuyerhomebuyer starter packhome buying checklistbudget templategoogle sheet budgetdown payment assistancehomeownership toolkitdigital downloadPDF workbookaffordability calculator

View digital guide Buy now

More statewide programs

Explore additional grants available throughout Kansas that complement this opportunity.

City of Wichita HOMEownership 80 Program – Home Buyer Assistance

open

City of Wichita HousingKSFirst-Time Homeownerdeferred loan

Updated: Dec 5, 2025

Wichita’s HOMEownership 80 Program offers substantial down-payment and closing-cost assistance to first-time buyers purchasing new construction homes in targeted neighborhoods, using federal HOME funds administered by the City.

Eligible for: First-time homebuyers purchasing newly constructed single-family homes in designated HOMEownership 80 Assistance Areas within Wichita, who m…

Funding: Zero interest deferred payment assistance loan providing up to 20 percent of the home purchase price plus up to 2000 dollars for closing costs, with repayment or recapture based on HOME affordability rules if requirements are not met.Deadline: Rolling / subject to funding availabilityrollingcityIndividualDown payment assistanceClosing costsDeferred loan

View details →

Start Your Homebuying Journey – Kansas First Time Homebuyer Program Intake

open

Kansas Housing Resources CorporationKSFirst-Time Homeownersoft second mortgage (forgivable)

Updated: Dec 5, 2025

Online “Start Your Homebuying Journey” form that screens Kansas households for eligibility for KHRC’s First Time Homebuyer down-payment and closing-cost assistance and connects them with next steps and resources.

Eligible for: Prospective buyers must be first-time homebuyers (as defined by the FTHB Program), plan to live in the home as their primary residence, purc…

Funding: Down payment and closing-cost assistance up to $40,000 (15% or 20% of purchase price, depending on income) via forgivable second mortgage.Deadline: Rolling / subject to funding availabilityrollingstatewide (KS)First-time homebuyerDown payment assistanceClosing cost assistanceForgivable second mortgageHomeownership access

View details →

City of Liberal First-Time Homebuyer Program

open

City of LiberalKSFirst-Time Homeownersoft second mortgage (zero-interest)

Updated: Dec 5, 2025

Liberal’s First-Time Homebuyer Program offers a small but impactful zero-interest soft second loan that helps first-time buyers cover upfront down-payment and closing-cost gaps, making entry-level homeownership more attainable for income-qualified households in the city.

Eligible for: Low- and moderate-income first-time homebuyers in Liberal, Kansas, with household income at or below 125% of area median income, who have no…

Funding: Up to $3,000 toward down payment and/or closing costs, zero-interest soft second mortgage, three-year term.Deadline: Rolling / subject to funding availabilityrollingcityFirst-time homebuyerDown payment assistanceClosing cost assistanceSoft second mortgageHomeownership access

View details →

City of Hutchinson Down Payment Match Incentive Program

open

City of HutchinsonKSFirst-Time Homeownergrant (matching)

Updated: Dec 5, 2025

Hutchinson’s Down Payment Match Incentive Program helps renters become homeowners by matching part of the cash they bring to closing, lowering the cash-to-close required for eligible first-time buyers purchasing in designated neighborhoods.

Eligible for: First-time homebuyers who do not currently own property, are residents of Reno County, purchase a home in one of several eligible Hutchinson…

Funding: Matching funds equal to 40% of buyer’s cash at closing (or $2,500, whichever is less) toward down payment and closing costs for eligible first-time homebuyers in targeted neighborhoods.Deadline: Rolling / subject to funding availabilityrollingcity/neighborhoodFirst-time homebuyerDown payment matchClosing cost assistanceHomebuyer education requirementNeighborhood revitalization

View details →